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Andres, 29, is married and lives with his wife and child, who are his main priority. With his loan, he plans to purchase fertilizers and fungicides and pay for workers to help him with his coffee crops. In addition, he will buy some seedlings to put in when the rains start. His goal is to increase the density of his plants per area, also taking advantage of the good fertility of the soil and climate and other conditions that are favorable to the cultivation of coffee. With these improvements, he hopes to obtain a bit more income and in this way improve his family's living conditions. Also, he will invest a bit more in his land and also accomplish some other goals. This is the first loan that he has received from FUDECOSUR. He has not taken loans from the state banks before, but FUDECOSUR has provided him with a loan with better terms and a much lower interest rate.
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Andres, tiene la edad de 29 años, está casado, vive con su hijo y esposa que son su mayor prioridad. Con su crédito pretende hacer la compra de fertilizantes, fungicidas y pagar mano de obra en trabajos de asistencia para el café, además de comprar algunas plantas de almácigo para hacer resiembras a inicio de lluvias esto con el objetivo de aumentar la densidad de plantas por área, además de aprovechar la buena fertilidad del suelo y las condiciones de clima y otras que favorecen al cultivo de café. Con estas mejoras al cultivo espera obtener un poco de ganancias y así mejorar las condiciones de vida de su familia y también invertir un poco más en el área de cultivo y también cumplir algunas metas. Es el primer préstamo que recibido de FUDECOSUR. Él no había tenido antes otros préstamos en bancos estatales, pero FUDECOSUR le ha brindado el préstamo con mayores facilidades y la tasa de intereses mucho más baja.

Additional Information

More information about this loan

FUDECOSUR works in one of the poorest regions of Costa Rica, where microfinance institutions (MFIs) are scarce or have a hard time keeping up with demand for small loans. By providing mostly agricultural loans, FUDECOSUR reaches rural borrowers that many MFIs consider to be too risky. However, this has also made it more difficult for the organization to find stable sources of capital to lend. Kiva's flexible, risk-tolerant capital plays a critical role in helping FUDECOSUR grow its portfolio and support even more borrowers.


The Foundation for the Development of Southern Communities (FUDECOSUR) is dedicated to economically empowering its clients by providing credit and training programs that help improve living conditions for micro-entrepreneurs and their children across Southern Costa Rica. You can learn more about this Field Partner at

About Costa Rica

  • $12,900
    Average annual income
  • 1
    View loans »
    Costa Rica Loans Fundraising
  • $4,810,400
    Funds lent in using Kiva
  • 502.4
    Costa Rica Colones (CRC) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Andres to buy supplies and pay for labor for his coffee crops.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jun 17, 2013
Jul 3, 2013
Currency Exchange Loss:
Oct 17, 2015